# Card Controls by Elements vs MEMCU CardNav

The clearest difference is rating: MEMCU CardNav at 4.6 against Card Controls by Elements's 4.2. Card Controls by Elements's advantage is review sentiment (16% vs 0%). On price, ratings volume, update cadence and ads there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

MEMCU CardNav holds the better App Store score, 4.6 against 4.2. Both are backed by a comparable volume of ratings — 152 and 91 respectively. Written reviews complicate that: 16% of Card Controls by Elements's written reviews are positive against 0% of MEMCU CardNav's, so the app with the better star average is not the one people write more warmly about.

Card Controls by Elements ships an update every 5 months, MEMCU CardNav every 10 months. The most recent releases landed on October 20, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | Card Controls by Elements | MEMCU CardNav |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.2 (152 ratings)](https://appshunter.io/ios/app/card-controls-by-elements/id1211444131/reviews) | **[4.6 (91 ratings)](https://appshunter.io/ios/app/memcu-cardnav/id1578568431/reviews)** |
| Number of ratings | **152** | 91 |
| Positive reviews | **15.8% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 5 months** | Every 10 months |
| Monetization | Free | Free |
| Size | 53 MB | 52 MB |
| Requires iOS | 15.0 | **14.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Elements Financial Federal Credit Union](https://appshunter.io/developer/507239964) | [Members Credit Union](https://appshunter.io/developer/918195330) |

## What reviewers say

### Card Controls by Elements

[App page](https://appshunter.io/ios/app/card-controls-by-elements/id1211444131)

Take full control of your debit card usage with customizable settings for transaction types, locations, and merchant categories. Instantly turn cards on or off for enhanced security, set spending limits, and receive real-time alerts for suspicious activity or when budget thresholds are approached.

**Highlights:** Set transaction type controls, Define geographic usage rules, Specify merchant categories, Instantly turn cards on/off, Set dollar transaction limits, Receive real-time alerts, Monitor suspicious activity

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none


### MEMCU CardNav

[App page](https://appshunter.io/ios/app/memcu-cardnav/id1578568431)

Manage your credit and debit cards with customizable controls and real-time alerts. Actively monitor card usage, set transaction preferences, and receive immediate notifications to prevent fraudulent activity.

**Highlights:** Turn card access on/off, Set transaction notifications, Define merchant and geographic controls, Receive real-time usage alerts, Decline transactions instantly, Proactive fraud prevention

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is Card Controls by Elements free?

Card Controls by Elements is free to download, with no in-app purchases.

### Is MEMCU CardNav free?

MEMCU CardNav is free to download, with no in-app purchases.

### Which has better reviews, Card Controls by Elements or MEMCU CardNav?

MEMCU CardNav is rated higher. Card Controls by Elements averages 4.2 out of 5 from 152 ratings, while MEMCU CardNav averages 4.6 from 91 ratings.

### Do Card Controls by Elements or MEMCU CardNav have ads?

Neither Card Controls by Elements nor MEMCU CardNav shows ads.

### Which is updated more often, Card Controls by Elements or MEMCU CardNav?

Card Controls by Elements ships an update every 5 months, and MEMCU CardNav every 10 months. Most recently, Card Controls by Elements was updated on October 20, 2026 and MEMCU CardNav on October 25, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*